Explore property and liability options for apartments, rental homes, associations and mixed-use buildings. Location, building condition and occupancy determine which markets can consider your property.
Eight relevant markets are shown for comparison. Availability depends on the risk and location, and a logo does not imply a direct appointment.
Real estate portfolios
Commercial property
Small commercial property
Specialty property
Real estate programs
Habitational and real estate
Commercial property
Hard to place property
A few questions about your business or home.
We compare carriers and read the forms line by line.
We pick the best policy and get you covered.
A tenant or visitor is injured on the property and looks to the owner to answer for it.
Fire, water, and weather damage the building, and California wildfire exposure makes some properties hard to place.
After about 60 days vacant, standard property forms cut most loss payments and exclude vandalism and water damage.
After a loss, current building codes force costlier repairs than the original construction.
These details help insurers assess your business and price the coverage. Terms and available options vary by insurer.
The buildings you own or manage are insured here, and the valuation basis on the declarations page is the whole argument after a loss. Replacement cost rebuilds. Actual cash value pays a depreciated figure. Older buildings, wildfire exposed locations, aging roofs, and original wiring are underwritten hard in California, and those details are what decide where a property will actually place.
Habitational liability is the tenant who falls on a stair, the visitor injured in a common area, and the allegation that the owner knew about the condition. General liability pays the defense and the damages. On this class the defense cost frequently exceeds the claim itself, which is why the limit alone never tells you much.
A business owners policy bundles building property and liability onto one form for smaller portfolios, and many landlord risks qualify on class alone. It normally carries loss of rents, the coverage that keeps paying while a damaged unit is uninhabitable. Larger and mixed use portfolios outgrow the eligibility and move onto separate property and liability policies.
Lenders and leases frequently set a liability limit above what a primary policy carries, and an umbrella is what reaches it. It pays after the underlying general liability or auto limit is exhausted, on the policies its schedule names. Adding a property mid term means adding it to the umbrella schedule too, which is an easy thing to miss at closing.
Vacant buildings, wildfire exposed locations, older construction, and habitational risks with a loss history get declined by admitted carriers as a matter of appetite, not price. Surplus lines carriers write them, on their own forms and at their own rates. We take the file to those markets and tell you plainly what the surplus form excludes that an admitted one would not.
July 9, 2026
How commercial property insurance works, what the coverage form and the Basic, Broad, and Special causes of loss forms cover, plus coinsurance and valuation.
Read guideThe right program depends on the operation, but the lines we most often evaluate are Commercial Property, General Liability, Business Owners Policy, Commercial Umbrella, and Excess and Surplus Lines. We confirm which exposures are present before recommending a policy, so you do not pay for a line simply because it appears on a standard checklist.
Have each location, occupancy, construction, building updates, replacement values, rents, property management activities, and loss runs ready. A complete submission lets carriers evaluate the account on the actual operation and reduces follow-up questions before they can quote.
Often, yes. A decline does not guarantee another carrier will quote, but it tells us where the standard market stopped. We review the reason, improve the submission where the facts support it, and approach specialty markets when they are appropriate.
We compare the coverage form, limits, deductibles, exclusions, carrier financial strength, binding requirements, and total cost. The lowest premium is not the best option when the form removes the protection the business needs.
Start your application online, or speak with a licensed broker about your work, property and contracts.
